So, some of this is pretty much a c/p from a comment I made in the NFCU CLI thread, but adding the other info here. Didn't want to derail that thread too much with PF information.
I opened my NFCU/PF accounts the same week in May of '18 (bout 1y6m after discharge). NFCU approved me (barely) for a $500 Platinum @ 17.99; while PF denied. Since then I've tried @ 3 & 6+ months to get a CLI and/or new card with NFCU. Denied due to BK/maximum secured limit. Last time was just barely 2 years out, but not quite 25 months from my discharge date.
Have read many stories on here that it appears NFCU either loves/hates you, in which case PenFed seems to feel the total opposite. Decided WTH and apped to PF after getting denied from NFCU and I got approved for a $4000 SL on a Promise @ 17.99%. Called and tried to recon a bit more to take advantage of the BT offer with out crazifying it's utilization to at least $7000-$10000 and was told that right now, I was at the max. But, give it another month, maybe 2 and he said he'd personally have no issue with bumping me up after I have a bit more history with the card.
Score according to them: 665
Utilization: 6% total / 4 cards <30%; 2 <10% (rest $0)
6 months: 0 accounts / 4 inquiries
12 months: 2 accounts / 11 inquiries (wasn't actively watching EQ for the longest time and didn't realize Comenity was HPing those increases) + NFCU HP happy butts! 
Congrats on your approval and very nice SL !!!
Congratulations on your approval!
